The earn-rate hierarchy

Not all Gera products earn at the same rate. In rough order (check the live dashboard for current numbers):

GeraMarket — highest base earn rate; Prime boost is meaningful because transaction sizes are large.
GeraEats — frequent transactions compound; Prime doubles coin-per-order.
GeraRide — moderate base, Prime boost stacks with airport / late-night surge cap.
GeraHome — high per-transaction but infrequent; Prime rebate earns a solid one-off chunk.
GeraClinic — moderate earn; coins mostly come from consultation and follow-up payments.
GeraMarket seller tier — if you sell, seller-side Prime earns coins on incoming sales too.

The monthly streak bonus

Spend any amount across any Gera product in consecutive calendar months and the streak multiplier increases from 1.0 to 1.2 over 6 months, capping there. Skip one month and it resets to 1.0. The practical implication: if you use Gera at all, try not to have an entirely dormant month.

Best redemption targets

Coins convert 1:1 pence on low-margin redemptions (delivery fees, surge fees). On high-value redemptions, the effective rate is better:

GeraLearn course bundles — coins unlock premium courses at ~1.3x effective rate.
GeraSure policy excess reductions — coins buy down your excess at ~1.25x effective rate.
GeraRent deposit buffer — coins hold against your deposit at ~1.2x effective rate.
GeraMarket marketplace credit — straight 1:1 but high-value line items offer better-for-coin promotions periodically.

If you only redeem coins on delivery fees, you are leaving value on the table.

The referral stack

Prime members earn referral coins when a friend joins:

Lump sum on the friend’s first paid month.
Trailing percentage of their spend for 6 months.
Cap per calendar month (stops the refer-everyone-you-know gaming).

Two good referrals over a year routinely add the equivalent of a month’s Prime subscription in coins.

The common mistakes

Hoarding coins too long. Coins do not expire (on Prime) but inflation-adjusted they lose purchasing power slowly. If you have >6 months of value sitting idle, redeem strategically.
Redeeming on the lowest-margin line items. Use coins where the effective rate is best.
Missing the streak. A single dormant month resets your multiplier.
Not linking friends’ referrals correctly. Referral codes must be applied during the friend’s sign-up, not retroactively.
Ignoring seasonal promotions. Quarterly coin-boost windows routinely offer 2x earn on specific categories; stack with Prime for 3-4x effective rate.

Where Prime boost is capped

The boost does not apply to pass-through fees (payment- processor fees, third-party delivery surge in some cities), to prescription costs at GeraClinic, to GeraMarket seller fees, or to GeraCash transaction fees. It does apply to everything that is a Gera-margin transaction.

Cross-links

See also: GeraCoins FAQ and the value calculator.